s theschicht

Guides

Do-this-then-that explainers. Start at the top if you're new; jump around if you're not.

Start here

01

Build a budget that actually sticks

A no-formulas method and the template to run it.

02

Your first €1,000 emergency fund

Where to keep it and how fast to build it.

03

Open and fund a brokerage account

What to check before you pick a broker.

Investing

01

Buy your first index fund

From account to confirmation, step by step.

02

Dollar-cost averaging, set up once

Automate contributions and forget the timing.

03

Read an ETF fact sheet

The five numbers that matter, and the ones that don’t.

Crypto & security

01

Set up two-factor authentication

Lock down email, banking and exchanges first.

02

Understand stablecoins before using one

How the peg holds — and how it breaks.

03

Get your data off broker sites

A weekend project that shrinks your attack surface.

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